Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$1,774,364$320 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $1,615,000 on Feb 4, 2016

7040 DECOY DR

OWINGS, MD 20736
4
Baths
5,551 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
4.21 ac
Lot SizeThe size of the land the home sits on, from county records.
2004
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.8M
$1.7M low$1.9M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,615,000 · Feb 4, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$18,434 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$1,758,367 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,687,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,899,300

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.67
97
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
30
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
78
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
80
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
52
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.151 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyCALVERT
Lot (acres)The size of the land the home sits on, from county records.4.21
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Mixed
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
ViewThe type of view from the property, or another feature of the site that affects value.Waterfront-Not Specified
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 756 ft²Boat access

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Northern Middle SchoolA
Middle · Grades 6–8 · 2.1 mi
H
Northern High SchoolB+
High · Grades 9–12 · 2.2 mi
E
Sunderland Elementary SchoolA
Elementary · Grades PK–5 · 4.3 mi

District: Calvert County Public Schools

Neighborhood · ZIP 20736These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.91
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.35

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.11,729
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.448 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$151,758
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$164,720
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.44 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

Owner Tools

Do you own this home?
Claim this home

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

7040 Decoy Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Among the most valuable homes in Owings 20736
  • Costs more per square foot than 75% of homes in Owings 20736
  • Among the largest homes in Calvert County
  • Has a bigger lot than 92% of homes in Calvert County
  • Newer than 89% of homes in Owings 20736

What homes are worth in Owings 20736

Each bar is how many homes fall in that price range. The marker is this home.

This home
$276K$1.1M

This home is worth more than almost all homes in Owings 20736.

How it measures up in Owings 20736

The dot is this home. The mark in the middle is the typical home in Owings 20736.

Estimated value$1,774,364
CheaperTypical $611,870Pricier

Pricier than almost all homes nearby

Price per ft²$320
CheaperTypical $277Pricier

Pricier than 75% of homes nearby

Living area5,551 ft²
SmallerTypical 2,208 ft²Bigger

Bigger than almost all homes nearby

Lot size4.21 ac
SmallerTypical 1.29 acBigger

Bigger than 88% of homes nearby

Year built2004
OlderTypical 1988Newer

Newer than 89% of homes nearby

How 7040 Decoy Dr ranks against every home in each area.
MeasureThis homeOwings 20736Calvert County
Estimated valuepricier than$1,774,364almost all homesalmost all homes
Price per ft²pricier than$32075% of homes72% of homes
Living areabigger than5,551 ft²almost all homesalmost all homes
Lot sizebigger than4.21 ac88% of homes92% of homes
Year builtnewer than200489% of homes85% of homes

About 7040 Decoy Dr

How much is 7040 Decoy Dr, Owings, MD worth?

The TopHap Estimate for 7040 Decoy Dr, Owings, MD is $1,774,364 as of Sep 24, 2026. The likely range is $1,679,934 to $1,868,794. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 7040 Decoy Dr, Owings, MD last sell?

7040 Decoy Dr, Owings, MD last sold on Feb 4, 2016 for $1,615,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 7040 Decoy Dr, Owings, MD?

7040 Decoy Dr, Owings, MD has 4 bathrooms, 5,551 square feet of living space and a 4.21-acre lot.

When was 7040 Decoy Dr, Owings, MD built?

7040 Decoy Dr, Owings, MD was built in 2004, making it 22 years old. The building has 2 stories.

What schools serve 7040 Decoy Dr, Owings, MD?

7040 Decoy Dr, Owings, MD is assigned to Northern Middle School (middle), rated A; Northern High School (high), rated B+; Sunderland Elementary School (elementary), rated A. All sit in Calvert County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 7040 Decoy Dr, Owings, MD compare to other homes in Owings 20736?

Among the 3,144 homes in Owings 20736, it is worth more than almost all of them ($1,774,364 against a typical $611,870), its price per square foot is higher than 75% of them ($320 against a typical $277), it is bigger than almost all of them (5,551 ft² against a typical 2,208 ft²), its lot is bigger than 88% of them (4.21 ac against a typical 1.29 ac) and it is newer than 89% of them (2004 against a typical 1988). Measured against all of Calvert County, it is worth more than almost all homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 7040 Decoy Dr, Owings, MD?

The 2025 property tax bill for 7040 Decoy Dr, Owings, MD was $18,434. The county assessed it at $1,758,367.

More homes on Decoy Dr

Closest homes

More homes in Owings 20736

Assigned schools

Explore the area

See this home in context

Open 7040 Decoy Dr on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map